Privacy Policy

20s Money takes your privacy seriously. This privacy policy describes what personal information we collect and how we use it. See this privacy policy primer to learn more about privacy policies in general.

Routine Information Collection

All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes.

Cookies and Web Beacons

Where necessary, 20s Money uses cookies to store information about a visitor's preferences and history in order to better serve the visitor and/or present the visitor with customized content.

Advertising partners and other third parties may also use cookies, scripts and/or web beacons to track visitors to our site in order to display advertisements and other useful information. Such tracking is done directly by the third parties through their own servers and is subject to their own privacy policies.

Controlling Your Privacy

Note that you can change your browser settings to disable cookies if you have privacy concerns. Disabling cookies for all sites is not recommended as it may interfere with your use of some sites. The best option is to disable or enable cookies on a per-site basis. Consult your browser documentation for instructions on how to block cookies and other tracking mechanisms. This list of web browser privacy management links may also be useful.

Special Note About Google Advertising

Any advertisements served by Google, Inc., and affiliated companies may be controlled using cookies. These cookies allow Google to display ads based on your visits to this site and other sites that use Google advertising services. Learn how to opt out of Google's cookie usage. As mentioned above, any tracking done by Google through cookies and other mechanisms is subject to Google's own privacy policies.

Contact Information

Concerns or questions about this privacy policy can be directed to kevin@20smoney.com for further clarification.

Thesis On The Economy

My view is that the American economy has major structural issues that will prevent it from legitimate real growth in the years ahead. Because of structural problems, politicians will react with political responses which will only do more harm and lead to inflation. Government cannot and will not fix the economic issues that are structural in nature. Only a liquidation of bad investment and market-based allocation of capital and resources into productive areas of the economy can get the economy growing again and thus lead to real job creation.

Thesis On Investing

Stock markets are unlikely to generate the return going forward that most investors expect. Buying and holding the broad market is not a wise strategy considering real economic growth over the next 30 years will likely look very different than the previous 30 years. I believe in stock picking and an emphasis on Dividend Stocks. I also believe the markets are manipulated to a certain degree via Wall Street schemes like high frequency trading and Federal Reserve easy monetary policy. It's important to factor in currency devaluation when determining real rate of return in stocks. I disagree with most mainstream financial planning advice in that you should passively invest in the broad market - this form of investing seeks to benefit Wall Street not you.

Featured Resources

A tough economic environment means it is difficult for the masses looking to do nothing more than be an employee. To prosper in this environment you have to be creative, innovative and willing to compete and work harder than your neighbor. I believe we're increasingly moving towards a time where more people work multiple jobs and make a living in a number of different ways - increasingly moving away from the era where a man works for a single company for an entire career. I believe in working hard to generate multiple streams of income and often discuss ways to make money online to achieve financial freedom.